Terms and Conditions
Last updated: April 7, 2019
Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using the http://vaclaimsinsider.com website (the "Service") operated by VA Claims Insider, LLC ("us", "we", or "our"). Your access to and use of the Service is conditioned upon your acceptance of and compliance with these
These Terms apply to all visitors, users and others who wish to access or use the Service. By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you do not have permission to access the Service.
VA Claims Insider, LLC is a service-disabled veteran owned medical consulting firm, and our mission is simple: Veterans helping Veterans get the VA disability rating and compensation they deserve.
We fulfill our mission by offering veterans a suite of digital products and services, to include DBQ reviews and medical nexus opinions from our network of private medical providers.
We operate a membership-based business with two-programs: (1) Mastery and (2) Elite.
Mastery is a self-paced online course intended for informational purposes only. Elite is our premier medical consulting program intended to help veterans connect with qualified medical professionals for DBQ reviews and medical nexus opinions.
VA Claims Insider, LLC does NOT represent veterans before the VA or BVA in connection with any claim for VA disability beneﬁts, EVER, nor do we operate as accredited VA claim agents.
Furthermore, VA Claims Insider, LLC does NOT prepare or file VA disability claims for veterans. You shall prepare and file your own claim or work with an accredited VA claims agent, many of which offer services for FREE. Veterans may search and find Accredited Attorneys, Claims Agents, or VSO Representatives by clicking HERE.
There are completley FREE resources available to assist veterans in the preparation, presentation, and prosecution of VA disability claims before the Department of Veterans Affairs. Veterans may search for and appoint an accredited VSO by clicking HERE.
VA Claims Insider, LLC can terminate our medical consulting agreement with the client for any reason including:
1. The client fails to comply with our instructions or terms and conditions in any manner.
2. We feel the client is acting in an illegal, immoral, or unethical manner in an attempt to defraud the Department of Veteran Affairs.
3. The client fails to make timely payments upon services rendered.
i) Payment Terms
We never charge up front fees for our medical consulting services, to include DBQs or medical nexus opinions. The private medical providers in our referral network, however, do charge $100 per Disability Benefit Questionnaire (DBQ) review, and $200 per medical nexus letter. The independent psychological evaluation with a U.S. board certified psychologist is $395. There is a one-time, non-refundable medical records review fee of $100 for DBQ reviews and medical nexus letters. Please note: NONE of these medical consulting services are required, and you as the veteran may obtain DBQs and medical nexus letters from your own medical providers for FREE.
After services have been rendered by VA Claims Insider, LLC there are no refunds. We never send an invoice until after you have received an increase in your VA disability beneﬁts.
If you wish to purchase any product or service made available through the Service ("Purchase"), you may be asked to supply certain information relevant to your Purchase including, without limitation, your credit card number, the expiration date of your credit card, your billing address, and your shipping information.
We reserve the right to refuse or cancel your order at any time for reasons including but not limited to: product or service availability, errors in the description or price of the product or service, error in your order or other reasons.
We reserve the right to refuse or cancel your order if fraud or an unauthorized or illegal transaction is suspected.
Earnings and Disability Increase Disclaimer
You recognize and agree that we have made no implications, warranties, promises, suggestions, projections, representations or guarantees whatsoever to you about future prospects or earnings, or disability increase, or that you will earn any money, with respect to your purchase of VA Claims Insider, LLC products and services, and that we have not authorized any such projection, promise, or representation by others.
Any earnings or income statements, or any earnings or income examples, are only estimates of what we think you could earn. There is no assurance you will do as well as stated in any examples. If you rely upon any figures provided, you must accept the entire risk of not doing as well as the information provided. This applies whether the earnings or income examples are monetary in nature or pertain to advertising credits which may be earned (whether such credits are convertible to cash or not).
There is no assurance that any prior successes or past results as to earnings or income (whether monetary or advertising credits, or VA disability benefit percentages or increases in monthly compensation, whether convertible to cash or not) will apply, nor can any prior successes be used, as an indication of your future success or results from any of the information, content, or strategies. Any and all claims or representations as to income or earnings (whether monetary or advertising credits, whether convertible to cash or not) are not to be considered as “average earnings”.
(i) Your Success Or Lack Of It
Your success in using the information or strategies provided at http://vaclaimsinsider.com, http://vaclaimsinsidersecrets.com, http://vaclaimsinsidermastery.com, depends on a variety of factors. We have no way of knowing how well you will do, as we do not know you, your background, your work ethic, your dedication, your motivation, your desire, or your business skills or practices. Therefore, we do not guarantee or imply that you will get an increase in your VA disability benefits or monthly compensation, that you will do as well, or that you will have any earnings (whether monetary or advertising credits, whether convertible to cash or not), at all.
Internet businesses and earnings derived therefrom, involve unknown risks and are not suitable for everyone. You may not rely on any information presented on the website or otherwise provided by us, unless you do so with the knowledge and understanding that you can experience significant losses (including, but not limited to, the loss of any monies paid to purchase VA Claims Insider, LLC products and services, and/or any monies spent setting up, operating, and/or marketing VA Claims Insider, LLC products and services, and further, that you may have no earnings at all (whether monetary or advertising credits, whether convertible to cash or not). This also applies to any form of your VA disability benefits, whether monetary or non-monetary.
(ii) Forward-Looking Statements
MATERIALS CONTAINED ON THIS WEBSITE OR IN MATERIALS PURCHASED AND/OR DOWNLOADED FROM THIS WEBSITE MAY CONTAIN INFORMATION THAT INCLUDES OR IS BASED UPON FORWARD-LOOKING STATEMENTS WITHIN THE MEANING OF THE SECURITIES LITIGATION REFORM ACT OF 1995. FORWARD-LOOKING STATEMENTS GIVE OUR EXPECTATIONS OR FORECASTS OF FUTURE EVENTS. YOU CAN IDENTIFY THESE STATEMENTS BY THE FACT THAT THEY DO NOT RELATE STRICTLY TO HISTORICAL OR CURRENT FACTS. THEY USE WORDS SUCH AS “ANTICIPATE,” “ESTIMATE,” “EXPECT,” “PROJECT,” “INTEND,” “PLAN,” “BELIEVE,” AND OTHER WORDS AND TERMS OF SIMILAR MEANING IN CONNECTION WITH A DESCRIPTION OF POTENTIAL EARNINGS OR FINANCIAL PERFORMANCE.
ANY AND ALL FORWARD LOOKING STATEMENTS HERE, IN OTHER MATERIALS CONTAINED ON THIS WEBSITE OR IN MATERIALS PURCHASED AND/OR DOWNLOADED FROM THIS WEBSITE ARE INTENDED TO EXPRESS OUR OPINION OF EARNINGS POTENTIAL. MANY FACTORS WILL BE IMPORTANT IN DETERMINING YOUR ACTUAL RESULTS AND NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE RESULTS SIMILAR TO OURS OR ANYBODY ELSE, IN FACT NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE ANY RESULTS FROM OUR IDEAS AND TECHNIQUES IN OUR MATERIAL.
(iii) Due Diligence
You are advised to do your own due diligence when it comes to making business decisions and should use caution and seek the advice of qualified professionals. You should check with your accountant, lawyer, or professional advisor, before acting on this or any information. You may not consider any examples, documents, or other content on the website or otherwise provided by us to be the equivalent of professional advice. Nothing contained on the website or in materials available for sale or download on the website provides professional advice in any way. You should consult with your own accountant, lawyer, or professional advisor for any questions you may have.
We assume no responsibility for any losses or damages resulting from your use of any link, information, or opportunity contained within the website or within any information disclosed by the owner of this site in any form whatsoever.
(iv) Purchase Price
Although we believe the price is fair for the value that you receive, you understand and agree that the purchase price for VA Claims Insider, LLC products and services has been arbitrarily set by us. This price bears no relationship to objective standards.
Availability, Errors and Inaccuracies
We are constantly updating product and service offerings on the Service. We may experience delays in updating information on the Service and in our advertising on other web sites. The information found on the Service may contain errors or inaccuracies and may not be complete or current. Products or services may be mispriced, described inaccurately, or unavailable on the Service and we cannot guarantee the accuracy or completeness of any information found on the Service.
We therefore reserve the right to change or update information and to correct errors, inaccuracies, or omissions at any time without prior notice.
When you create an account with us, you guarantee that you are above the age of 18, and that the information you provide us is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account on the Service.
You are responsible for maintaining the confidentiality of your account and password, including but not limited to the restriction of access to your computer and/or account. You agree to accept responsibility for any and all activities or actions that occur under your account and/or password, whether your password is with our Service or a third-party service. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.
We reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders in our sole discretion.
We respect the intellectual property rights of others. It is our policy to respond to any claim that Content posted on the Service infringes on the copyright or other intellectual property rights ("Infringement") of any person or entity.
If you are a copyright owner, or authorized on behalf of one, and you believe that the copyrighted work has been copied in a way that constitutes copyright infringement, please submit your claim via email to email@example.com, with the subject line: "Copyright Infringement" and include in your claim a detailed description of the alleged Infringement as detailed below, under "DMCA Notice and Procedure for Copyright Infringement Claims"
You may be held accountable for damages (including costs and attorneys' fees) for misrepresentation or bad-faith claims on the infringement of any Content found on and/or through the Service on your copyright. DMCA Notice and Procedure for Copyright Infringement Claims
You may submit a notification pursuant to the Digital Millennium Copyright Act (DMCA) by providing our Copyright Agent with the following information in writing (see 17 U.S.C 512(c)(3) for further detail): an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright's interest; a description of the copyrighted work that you claim has been infringed, including the URL (i.e., web page address) of the location where the copyrighted work exists or a copy of the copyrighted work; identification of the URL or other specific location on the Service where the material that you claim is infringing is located; your address, telephone number, and email address; a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.
You can contact our Copyright Agent via email at firstname.lastname@example.org
The Service and its original content, features and functionality are and will remain the exclusive property of VA Claims Insider, LLC and its licensors. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of VA Claims Insider, LLC.
Links To Other Web Sites
Our Service may contain links to third party web sites or services that are not owned or controlled by VA Claims Insider, LLC
VA Claims Insider, LLC has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites.
You acknowledge and agree that VA Claims Insider, LLC shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third party web sites or services. We strongly advise you to read the terms and conditions and privacy policies of any third party web sites or services that you visit.
We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.
If you wish to terminate your account, you may simply discontinue using the Service.
All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.
You agree to defend, indemnify and hold harmless VA Claims Insider, LLC and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, by you or any person using your account and password, or b) a breach of these Terms.
Limitation Of Liability
In no event shall VA Claims Insider, LLC, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.
VA Claims Insider, LLC does NOT assist clients with the preparation, presentation, or prosecution of disability claims for VA disability benefits. VA Claims Insider, LLC is NOT an accredited representative, accredited attorney, claims agent, or entity recognized by the Department of Veterans Affairs and is not affiliated with the Department of Veterans Affairs in any way.
VA Claims Insider, LLC is NOT a legal firm, does not have an attorney on staff, and is not licensed to practice law in any jurisdiction. Our consulting services may include verbal or written discussions of legal issues and procedures; however, any communications are understood to be only our “opinions,” and does not constitute legal assistance or advice.
Information listed on this website and any and all other correspondence or marketing materials from VA Claims Insider, LLC, including, but not limited to benefits amounts, success rates, customer testimonials, disability rating increases, and benefit increases are a general estimate and not specific to any one claim and do not represent a promise or guarantee of results. A veteran may get incredible results by using the service or may get no results at all.
Determination of VA disability benefits is made solely by the Department of Veterans Affairs and not by VA Claims Insider, LLC. As such, VA Claims Insider, LLC is not responsible and cannot be held liable for the VA disability benefits a veteran may be eligible for. This website and its contents are solely for marketing purposes and should not be considered as policy, medical, or legal advice.
By using this website or VA Claims Insider LLC’s membership programs, you acknowledge that there are completely FREE services available to assist veterans in the filing of VA disability claims for VA disability benefits. Veterans always have the option to utilize the FREE services provided by entities such as National Service Organizations (e.g., DAV, VFW, AMVETS, American Legion, among many others), Service Organizations, State Sponsored Veteran Service Officers, and/or the paid services of VA accredited agents or accredited attorneys. Utilization of VA Claims Insider, LLC’s website or services is NOT required to submit a claim for VA disability benefits, and you may achieve a positive VA disability claim outcome with these other FREE or paid organizations.
Finally, Veterans may utilize VA Claims Insider, LLC medical consulting services in coordination with these other free or paid services. VA Claims Insider, LLC only works with clients who understand these other options are available, many of them for FREE, but have elected to work with VA Claims Insider, LLC with that full knowledge. The Department of Veterans Affairs provides a search tool to find accredited representatives for VA disability benefits, many of which, work for FREE. To search for and find an accredited representative, please use this link: https://www.va.gov/ogc/apps/accreditation/index.asp
Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.
VA Claims Insider, LLC its subsidiaries, affiliates, and its licensors do not warrant that a) the Service will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components; or d) the results of using the Service will meet your requirements.
Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential or incidental damages, so the limitations above may not apply to you.
These Terms shall be governed and construed in accordance with the laws of Texas, United States, without regard to its conflict of law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.
Effective date: January 12, 2019
VA Claims Insider, LLC ("us", "we", or "our") operates the http://vaclaimsinsider.com website (hereinafter referred to as the "Service").
This page informs you of our policies regarding the collection, use and disclosure of personal data when you use our Service and the choices you have associated with that data.
Service is the http://vaclaimsinsider.com website operated by VA Claims Insider, LLC
Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).
Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Cookies are small files stored on your device (computer or mobile device).
Data Controller means the natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal information are, or are to be, processed.
Data Processors (or Service Providers)
Data Processor (or Service Provider) means any natural or legal person who processes the data on behalf of the Data Controller.
We may use the services of various Service Providers in order to process your data more effectively. Data Subject (or User)
Data Subject is any living individual who is using our Service and is the subject of Personal Data. Information Collection and Use
We collect several different types of information for various purposes to provide and improve our Service to you.
Types of Data Collected
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to:
• Email address • First name and last name • Phone number • Address, State, Province, ZIP/Postal code, City • Cookies and Usage Data • Personal Health Information (PHI)
We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or the instructions provided in any email we send. We use the Facebook pixel to help with our marketing and advertising campaigns. Also, we use cookie technology to recognize you and retain information from your visit, such as your username and password.
We may also collect information on how the Service is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
Tracking Cookies Data
Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyse our Service. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.
Examples of Cookies we use:
• Session Cookies. We use Session Cookies to operate our Service. • Preference Cookies. We use Preference Cookies to remember your preferences and various settings. • Security Cookies. We use Security Cookies for security purposes.
Use of Data
VA Claims Insider, LLC uses the collected data for various purposes:
• To provide and maintain our Service • To notify you about changes to our Service • To allow you to participate in interactive features of our Service when you choose to do so • To provide customer support • To gather analysis or valuable information so that we can improve our Service • To monitor the usage of our Service • To detect, prevent and address technical issues • To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information
VA Claims Insider, LLC may process your Personal Data because: • We need to perform a contract with you • You have given us permission to do so • The processing is in our legitimate interests and it is not overridden by your rights • For payment processing purposes • To comply with the law
Retention of Data
VA Claims Insider, LLC will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer periods.
Transfer of Data
Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.
If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there.
Disclosure of Data
VA Claims Insider, LLC may disclose your Personal Data in the good faith belief that such action is necessary to: • To comply with a legal obligation • To protect and defend the rights or property of VA Claims Insider, LLC • To prevent or investigate possible wrongdoing in connection with the Service • To protect the personal safety of users of the Service or the public • To protect against legal liability
Security of Data
The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
Your Data Protection Rights under the General Data Protection Regulation (GDPR) If you are a resident of the European Economic Area (EEA), you have certain data protection rights. VA Claims Insider, LLC aims to take reasonable steps to allow you to correct, amend, delete or limit the use of your Personal Data.
If you wish to be informed about what Personal Data we hold about you and if you want it to be removed from our systems, please contact us.
In certain circumstances, you have the following data protection rights: The right to access, update or delete the information we have on you. Whenever made possible, you can access, update or request deletion of your Personal Data directly within your account settings section. If you are unable to perform these actions yourself, please contact us to assist you. The right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete. The right to object. You have the right to object to our processing of your Personal Data. The right of restriction. You have the right to request that we restrict the processing of your personal information. The right to data portability. You have the right to be provided with a copy of the information we have on you in a structured, machine-readable and commonly used format. The right to withdraw consent. You also have the right to withdraw your consent at any time where VA Claims Insider, LLC relied on your consent to process your personal information. Please note that we may ask you to verify your identity before responding to such requests. You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local data protection authority in the European Economic Area (EEA).
We may employ third party companies and individuals to facilitate our Service ("Service Providers"), provide the Service on our behalf, perform Service-related services or assist us in analysing how our Service is used. These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
Personally identiﬁable information, such as your name, email address, social security number, street address, personal health information (PHI), and phone number, is stored and protected behind a ﬁrewall, on a secure server hosted by JotForms and Google Drive, both HIPAA compliant, authorized third-party providers. We may disclose your information in response to a court order, when we are reasonably required by law, as related to the collection of overdue payment, or to law enforcement authorities as deemed appropriate or necessary. Note: we may not provide you with notice prior to disclosure in these circumstances.
We may provide paid products and/or services within the Service. In that case, we use third-party services for payment processing (e.g. payment processors).
The payment processors we work with are:
- Maverick Bankcard: https://www.maverickbankcard.com/privacy-policy/
Links to Other Sites
Our Service does not address anyone under the age of 18 ("Children"). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.
• By email: email@example.com • By visiting this page on our website: https://vaclaimsinsider.com/#popup-widget • By mail: VA Claims Insider, LLC, 4311 Ganymede Dr, Austin, TX, 78727